Interrupt For Any Reason (IFAR) is an optional travel insurance benefit available on some plans that may allow travelers to interrupt a trip for reasons not otherwise covered by standard trip interruption benefits. IFAR typically has specific eligibility requirements, reimbursement percentages, and purchase deadlines. Availability varies by travel insurance provider and plan.
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What Is Interrupt For Any Reason (IFAR) Travel Insurance?

Most travelers have heard of Trip Interruption benefits, but fewer are familiar with Interrupt For Any Reason (IFAR) coverage. The most important takeaway: IFAR is an optional upgrade available on some travel insurance plans that may provide additional flexibility if you decide to end your trip early for a reason not otherwise covered by your policy. Like Cancel For Any Reason (CFAR), IFAR is designed to offer broader protection than standard travel insurance—but only if you meet the plan's eligibility requirements.


What Is Trip Interruption?

Standard trip interruption coverage is designed to help when you must cut your trip short because of a covered reason listed in your policy.

Examples may include:

  • A serious illness or injury
  • A covered family emergency
  • Severe weather
  • A natural disaster
  • Other covered events outlined in your policy

If the reason for ending your trip is not covered, standard trip interruption benefits generally would not apply.


How Is IFAR Different?

Interrupt For Any Reason (IFAR) expands your options by allowing you to interrupt your trip for reasons that may not otherwise qualify under standard trip interruption coverage.

Depending on the plan, IFAR may reimburse a percentage of eligible prepaid, unused, non-refundable trip costs if you choose to end your trip early for a reason outside the policy's standard covered reasons.

Availability, reimbursement percentages, and eligibility requirements vary by provider and plan.


A Real-World Example

A couple spends nearly $18,000 on a three-week vacation through New Zealand.

Their itinerary includes guided hiking tours, boutique hotels, scenic rail journeys, and a rental vehicle to explore the South Island.

After the first week, they receive unexpected news that their adult daughter has gone into premature labor back in the United States.

Although there is no medical emergency involving the travelers themselves, they decide they want to return home immediately to support their family.

Depending on the circumstances, this situation may not qualify under standard trip interruption benefits.

If they purchased a travel insurance plan that included Interrupt For Any Reason (IFAR) and met all eligibility requirements, they may be eligible for partial reimbursement of covered unused, non-refundable trip expenses according to the policy terms.

Without IFAR, those unused travel arrangements might not be eligible for reimbursement.


Standard Trip Interruption vs. IFAR
Standard Trip Interruption Interrupt For Any Reason (IFAR)
Requires a covered reason listed in the policy May allow interruption for reasons outside standard covered events
Included with many comprehensive plans Usually an optional upgrade
Benefits determined by policy terms Typically reimburses a specified percentage of eligible unused trip costs
Subject to policy limitations Has additional eligibility requirements and purchase deadlines

Always review your specific policy for details.


Is IFAR Available on Every Plan?

Not every travel insurance policy offers Interrupt For Any Reason coverage.

If available, IFAR typically requires travelers to:

  • Purchase coverage within a specified timeframe after the initial trip deposit.
  • Insure 100% of their prepaid, non-refundable trip costs.
  • Meet all plan eligibility requirements.

Because these rules vary by provider, it's important to review the policy carefully before purchasing.

💡 ICI Traveler Tip

IFAR and CFAR are different benefits. CFAR provides additional flexibility before your trip begins if you decide not to travel, while IFAR may provide flexibility after your trip has already started if you decide to return home early. Not all plans offer these optional benefits, and both have specific eligibility requirements.


⚖️ Important Information

This article is provided for general informational purposes only and does not guarantee coverage or benefit eligibility. Travel insurance plans vary by provider, and all benefits are subject to the terms, conditions, limitations, and exclusions of the policy purchased.

ICI Traveler is not the insurance carrier or claims department and cannot determine claim outcomes. All coverage decisions, claim approvals, and reimbursements are made solely by the licensed insurance company or claims administrator identified in your policy documents.

We encourage every traveler to review their complete policy documents to fully understand their coverage.

💙 Need Help? The ICI Traveler Team Is Here for You    

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to hundreds of common travel insurance questions, coverage explanations, travel tips, and policy guidance.

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